Lenders must gather holistic pictures of their applicants, but the process of assessing cash flow, affordability, and income creates considerable work for both the borrower and lender.

Plaid provides borrowers with an easy, streamlined loan experience; and lenders with access to bank data to make informed loan decisions.

Verify borrowers’ cash flow

Transactions provides 5+ years of clean, categorised data for personal accounts leveraging Open Banking data to assess cash flow

Verify borrowers’ assets digitally

Assets provides a consolidated report with account balances, uncategorised and categorised transactions, and account identity information

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